Is There Anything Umbrella Insurance Doesn’t Cover?

Is There Anything Umbrella Insurance Doesn’t Cover?

Is There Anything Umbrella Insurance Doesn’t Cover?

Here are some points to remember:

  • An umbrella policy gives you extra liability coverage.
  • This can help cover the cost of injury to others or damage to their property.
  • It does not cover damage to your own home, car or possessions. 
  • Coverage for your business activities requires a separate umbrella.


Q: I’ve done some homework on umbrella insurance, and I think it will give me the amount of coverage I’m looking for. But I want more information on the types of losses it covers. More to the point — what are the things an umbrella doesn’t cover? 


Matthew McCarter, a Farmers Insurance® agent in Chester Springs, Pennsylvania, explains what’s not covered by an umbrella policy.

A: As you might know, a personal umbrella gives you extra liability coverage — in addition to the coverage you already have on your home and auto policies. Liability insurance helps cover your financial responsibility for injury to others and damage to their property. It does not cover damage to our own property or any liability related to your business or profession. The umbrella also typically does not cover exposures that the underlying policies also do not cover.

So, it’s important to make sure you have enough property coverage for your home, cars and personal possessions — even when you have an umbrella policy. Also, be aware that coverage does not extend to your business or professional activities. However, you can get a separate business policy with liability coverage — as well as a commercial umbrella policy if you choose. 

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